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Cornerstone

Carlisle, PA · Charter 21789

NCUA · 4 branches

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cornerstone

Carlisle, PA · Charter 21789

NCUA · 4 branches

Q2 2017

$108.5MAssets
$58.2MLoans
$98.1MShares
$10.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.02%, down 23 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 1.41% of loans (+48 bps YoY).
  • Capital: net worth / assets of 9.96%, down 29 bps from a year ago.
  • Funding: loans stand at 59.41% of shares as of Q2 2017.

Return on Assets (YTD, annualized)

0.02%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.61%-3 bps YoY

Efficiency Ratio (YTD, annualized)

95.47%+462 bps YoY

Net Worth / Assets

9.96%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.43%0.43%0.20%0.25%0.24%0.23%-0.05%0.02%-23 bps
Return on Equity4.10%4.25%1.94%2.41%2.34%2.22%-0.48%0.15%-226 bps
Net Interest Margin2.80%2.67%2.69%2.64%2.64%2.68%2.59%2.61%-3 bps
Efficiency Ratio86.78%86.77%91.14%90.85%91.41%91.17%98.25%95.47%+462 bps
Growth
Asset Growth (YoY)2.02%6.01%3.90%2.55%5.20%0.51%3.42%4.06%+151 bps
Loan Growth (YoY)-1.86%-5.56%-6.55%-5.89%-2.31%-2.49%-2.89%-4.15%+174 bps
Share Growth (YoY)2.17%6.75%3.90%2.38%5.60%0.31%3.88%4.68%+230 bps
Asset Quality
Delinquent Loans / Loans1.16%1.70%0.90%0.93%1.10%0.66%1.33%1.41%+48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.36%0.34%0.26%0.26%0.22%0.26%0.27%0.34%+8 bps
Capital
Risk-Based Capital10.40%10.07%10.06%10.25%10.18%10.24%9.88%9.96%-29 bps
Net Worth / Assets10.40%10.07%10.06%10.25%10.18%10.24%9.88%9.96%-29 bps
Liquidity & Funding
Loans / Shares70.87%66.52%64.28%64.88%65.56%64.67%60.09%59.41%-547 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps